National Bank Products, Inc., 1-800-277-9195 URLA (403) Page 1 of 4 (R 7/05) Freddie Mac Form 65/FannieMae Form 1003 (01/06)

Name & Address of Employer 0 Self Employed Dates (from - to) Name & Address of Employer 0 Self Employed Dates (from - to)

Monthly Income Monthly Income

$ $ Position/Title/Type of Business I Business Phone (incl. area code) Position/Title/Type of Business I Business Phone (incl. area code)

Name & Address of Employer 0 Self Employed Dates (from - to) Name & Address of Employer 0 Self Employed Dates (from - to)

Monthly Income Monthly Income

$ $ Position/Title/Type of Business I Business Phone (incl. area code) Position/Title/Type of Business I Business Phone (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Borrower IV. EMPLOYMENT INFORMATION Co-Borrower Name & Address of Employer 0 Self Employed Yrs. on this job Name & Address of Employer 0 Self Employed Yrs. on this job

Yrs. employed in this Yrs. employed in this line of work/profession line of work/profession

Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)

Former Address (street, city, state, ZIP) 0 Own O Rent No. Yrs. Former Address (street, city, state, ZIP) 0 Own O Rent No. Yrs, If residing at present address for less than two years, complete the following:

Borrower Ill. BORROWER INFORMATION Co-Borrower Borrower's Name (include Jr. or Sr. if applicable) Co-Borrower's Name (include Jr. or Sr. if applicable)

0 Identification verified. O Additional documentation attached. 0 Identification verified. O Additional documentation attached.

Social Security Number Home Phone (incl. area code) DOB (MM/DD/YYYY) Yrs. School Social Security Number Home Phone (incl. area code) DOB (MM/DD/YYYY) Yrs. School

0 Married 0 Unmarried (include single, Dependents (not listed by Co-Borrower) 0 Married 0 Unmarried (include single, Dependents (not listed by Borrower)

0 no. I ages 0

no. I ages Separated divorced, widowed) Separated divorced, widowed)

Present Address (street, city, state, ZIP) OOwn O Rent No. Yrs. Present Address (street, city, state, ZIP) OOwn O Rent No. Yrs.

Mailing Address, if different from Present Address Mailing Address, if different from Present Address

Title will be held in what Name(s) I Manner in which Title will be held Estate will be held in: 0 Fee Simple

_S_o_u-rc_e_o_f_D_o_w_n_P_a_y_m_e_n_t_, _S_e_tt-le_m_e_n_t_C_h_a_r-ge_s_a_n-d/_o_r_S_u_b_o_rd_i_n-at_e_F_i_n_a_n-ci_n_g_(_e_xp_l_a-in_)_._ -1 0 Leasehold (show expiration date)

$ Cost $

Purpose of Refinance Amount Existing Liens Year Lot Acquired

O to be made Describe Improvements O made

$

Original Cost

Complete this line if this is a refinance loan.

$ $ Acquired

(b) Cost of Improvements Total (a+ b)

$ $ $

Complete this line if construction or construction-permanent loan. Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot

Property will be: O Primary Residence O Secondary Residence O Investment

Purpose O Purchase O Construction O Other (explain): of Loan: O Refinance O Construction-Permanent

Legal Description of Subject Property (attach description if necessary) Year Built

Interest Rate

Lender Case Number Agency Case Number O Conventional O Other (explain) O USDA I Rural

Housin Service

Mortgage O VA Applied O FHA For:

I. TYPE OF MORTGAGE AND TERMS OF LOAN Co-Borrower Borrower

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower," as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when O the income or assets of a person other than the "Borrower" (including the Borrower's spouse) will be used as a basis for loan qualification or O the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

UNIFORM RESIDENTIAL LOAN APPLICATION

National Bank Products, Inc., 1-800-277-9195 URLA (403) Page 2 of 4 (R 7/05) Freddie Mac Form 65/FannieMae Form 1003

Freddie Mac Form 65 01/06

$ Net Worth (a minus b)

Total Assets a. $ Total Monthly Payments

Job-related Expense (child care, union dues, etc.) $

$ Other Assets (itemize)

Aimony I Child Support I Separate Maintenance $ Payments Owed to:

~A-u-to_m_o~b-i~le_s_o_w_n_e_d~(m-a~ke_a_n_d_y_e_a~r)---+~$~-------1 Acct. no.

Net worth of business(es) owned $ (attach financial statement)

Vested interest in retirement fund $

ompany Payments onths Real Estate owned (enter market value $ from schedule of real estate owned)

$ Subtotal Liquid Assets Face amount$

Payments Mont s $ Life Insurance net cash value

Stocks & Bonds (Company name I number $ & description)

$ Acct no.

$ Name and address of Bank, S&L, or Credit Union

Payments Months Acct no.

Name and address of Bank, S&L, or Credit Union

ayments Months

$ ---------------~--------1 Acct. no. Acct no.

Name and address of Bank, S&L, or Credit Union Payments Months $ ompany Acct no.

Name and address of Bank, S&L, or Credit Union List checking and savings accounts below

Fannie Mae Form 1003 01 /06

Total Liabilities b. $

Acct. no.

Unpaid Balance

Monthly Payments & Months Left to Pay LIABILITIES Payments Months

Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding _D_e_s_cr-'ip_t_io_n -+-c V_a_lu_e __ --1 debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock Cash Deposit toward purchase held by: $ pledges, etc. Use continuation sheet, if necessary. Indicate by(*) those liabilities which will be satisfied upon

sale of real estate owned or upon refinancing of the subject property.

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also. Completed O Jointly O Not Jointly

ASSETS Cash or Market

B/C Monthly Amount $

VI. ASSETS AND LIABILITIES

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements. Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower

(B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

v. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Monthly Income Borrower Co-Borrower Total Combined Monthly Present Proposed Housinq Expenses

Base Empl. Income* $ $ $ Rent $ I Overtime First Mortgage (P&I) $ Bonuses Other Financing (P&I) Commissions Hazard Insurance Dividends/ Interest Real Estate Taxes Net Rental Income Mortgage Insurance Other (before completing, Homeowner Assn. Dues see the notice in "describe other income,* below) Other: Total $ $ $ Total $ $

Fannie Mae Form 1003 01/06

National Bank Products, Inc., 1-800-277-9195 URLA (403) Page 3 of 4 (R 7/05) Freddie Mac Form 65/FannieMae Form 1003

Freddie Mac Form 65 01/06

BORROWER 0 I do not wish to furnish this information. CO-BORROWER 0 I do not wish to furnish this information. Ethnicity: 0 Hispanic or Latino 0 Not Hispanic or Latino Ethnicity: 0 Hispanic or Latino 0 Not Hispanic or Latino

Race: 0 American Indian 0 Asian 0 Black or Race: 0 American Indian 0 Asian 0 Black or Alaska Native African American Alaska Native African American

0 Native Hawaiian or 0 White 0 Native Hawaiian or 0 White Other Pacific Islander Other Pacific Islander

Sex: 0 Female 0 Male Sex: 0 Female 0 Male To be Completed by interviewer Interviewer's Name (print or type) Name and Address of Interviewer's Employer This application was taken by: 0 Face to face interview Interviewer's Signature Date 0 Mail

0 Telephone Interviewer's Phone Number (incl. area code) 0 Internet

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than_one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation or surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

Borrower's Signature Date Co-Borrower's Signature Date

Each of the undersigned specifically represents to Lender and to Lenders actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) The Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application whether or not the Loan is approved; (7) the Lender and its agents brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings) or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgment. Each of the undersigned hereby acknoweldges that any owner of the Loan, its servicers, successors and assigns, may verify orreverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in the applictaion or a consumer reporting agency.

IX. ACKNOWLEDGMENT AND AGREEMENT

0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0

Borrower Co-Borrower YES NO YES NO

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

m. Have you had an ownership interest in a property in the last three years? (1) What type of property did you own-principal residence (PR),

second home (SH), or investment property (IP)? (2) How did you hold title to the home - solely by yourself (S),

jointly with your spouse (SP), or jointly with another person (O)?

Are you a U.S. citizen?

k. Are you a permanent resident alien?

Do you intend to occupy the property as your primary residence? If "Yes" complete question below.

g. Are you obligated to pay alimony, child support, or separate maintenance?

h. Is any part of the down payment borrowed?

Are you a co-maker or endorser on a note?

If you answer "Yes" to any questions a through I, please use continuation sheet for explanation.

a. Are there any outstanding judgements against you?

b. Have you been declared bankrupt within the past 7 years?

c. Have you had property foreclosed upon or given title or deed in lieu thereof in the past 7 years?

d. Are you a party to a lawsuit?

e. Have you directly or indirectly been obligated on any loan which resulted in forecfosure, transfer of title in lieu of foreclosure or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes" provide details including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.)

f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes" give details as described in the preceding question.

a. Purchase Price $ b. Alternations, improvements, repairs

c. Land (if acquired separately)

d. Refinance (incl. debts to be paid off)

e. Estimated prepaid items

f. Estimated closing costs

g. PMI, MIP, Funding Fee

h. Discount (if Borrower will pay)

i. Total costs (add items a through h)

j. Subordinate financing

k. Borrower's closing cost paid by Seller I. Other Credits (explain)

m. Loan amount (exclude PMI, MIP, Funding Fee financed} i

j n. PMI, MIP, Funding Fee financed

I o. Loan amount (add m & n)

p. Cash from/to Borrower (substract j, k, I & o from i)

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

List any additional name under which credit has previously been received and indicate appropriate creditor name(s) and account number(s): Alternate Name Creditor Name Account Number

Property Address (enter S if sold, PS if pending sale Type of Present Amount of Gross Mortgage Pay· Insurance, Net or R if rental being held for income) ~ Property Market Value Mortgages & Liens Rental Income ments Maintenance, Rental Income

Taxes & Misc. $ $ $ $ $ $

TOTALS $ $ $ $ $ $ ..